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PMC FincorpBOM:534060 +1.79%37 Return-on-Tangible-Asset is 9.09% as of Jun. 2026, which is 399% above its 10-year median of 1.82. GuruFocus rates BOM:534060 with a GF Score™ of 37/100. The stock has 6 warning signs investors should review. Among 548 Credit Services companies, PMC Fincorp ranks better than 62.23% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. PMC Fincorp's annualizedNet Income for the quarter that ended in Jun. 2026 was ₹172.6 Mil. PMC Fincorp's average total tangible assets for the quarter that ended in Jun. 2026 was ₹1,899.2 Mil. Therefore, PMC Fincorp's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 9.09%.
The historical rank and industry rank for PMC Fincorp's Return-on-Tangible-Asset or its related term are showing as below:
BOM:534060'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -5.07 Med: 1.82 Max: 8.4
Current: 2.99
During the past 13 years, PMC Fincorp's highest Return-on-Tangible-Asset was 8.40%. The lowest was -5.07%. And the median was 1.82%.
BOM:534060's Return-on-Tangible-Asset is ranked better than 62.23% of 548
companies
in the Credit Services industry
Industry Median: 2.03
vs BOM:534060: 2.99
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
PMC Fincorp Return-on-Tangible-Asset Related Terms
PMC Fincorp Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for PMC Fincorp's Return-on-Tangible-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:534060 vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, PMC Fincorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PMC Fincorp Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PMC Fincorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where PMC Fincorp's Return-on-Tangible-Asset falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 9.09% mean?
PMC Fincorp (BOM:534060) has a Return-on-Tangible-Asset of 9.09% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on PMC Fincorp and its competitors. This is 399% above median its historical median of 1.82. According to the industry distribution chart, PMC Fincorp ranks #207 out of 548 companies in the Credit Services industry, placing it in the top 37.8%.
Is PMC Fincorp's Return-on-Tangible-Asset too high?
PMC Fincorp's current Return-on-Tangible-Asset of 9.09% is 399% above median its 10-year median of 1.82. The Credit Services industry median Return-on-Tangible-Asset is 2.03. PMC Fincorp's value of 9.09% is 347.8% above this industry median. Based on the distribution chart, PMC Fincorp ranks #207 out of 548 companies in the Credit Services industry, which is above the industry midpoint. Overall, PMC Fincorp has a GF Score™ of 37/100, reflecting its overall financial health beyond just this single metric.
How does PMC Fincorp's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, PMC Fincorp ranks #207 out of 548 companies for Return-on-Tangible-Asset. This puts PMC Fincorp in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.03. PMC Fincorp's value of 9.09% is 347.8% above this benchmark. While the company's 10-year median is 1.82 vs. the industry median of 2.03, PMC Fincorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 2.03, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PMC Fincorp's current Return-on-Tangible-Asset of 9.09% is 347.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on PMC Fincorp and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 2.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PMC Fincorp's current Return-on-Tangible-Asset is 9.09%, which is 399% above median its own 10-year median of 1.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PMC Fincorp stock overvalued right now?
PMC Fincorp (BOM:534060) has a current Return-on-Tangible-Asset of 9.09%. The current Return-on-Tangible-Asset is 9.09%, which is 399% above median its 10-year median of 1.82 and 347.8% above the Credit Services industry median of 2.03. PMC Fincorp's overall GF Score™ is 37/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For PMC Fincorp (BOM:534060), the current Return-on-Tangible-Asset is 9.09% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
PMC Fincorp Ltd is a non-banking finance company. It is engaged in financing business, trading in the shares, and investment activities. It offers Corporate and Personal Finance, Debt Syndication, Private Placement, Arranger, Distribution and Marketing of Financial Products, and Dealing and Investment in the Stock Market. The company generates the majority of its revenue from Interest Income.
37GF Score
Get the complete analysis for BOM:534060
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